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Upturn AI SWOT - About
INTR 
Inter & Co. Inc. Class A Common Shares (INTR)
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Upturn Advisory Summary
10/17/2025: INTR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $8.73
1 Year Target Price $8.73
| 5 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 76.39% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.93B USD | Price to earnings Ratio 19.36 | 1Y Target Price 8.73 |
Price to earnings Ratio 19.36 | 1Y Target Price 8.73 | ||
Volume (30-day avg) 10 | Beta 1.15 | 52 Weeks Range 3.82 - 9.48 | Updated Date 10/17/2025 |
52 Weeks Range 3.82 - 9.48 | Updated Date 10/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.47 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.08% | Operating Margin (TTM) 27.87% |
Management Effectiveness
Return on Assets (TTM) 1.58% | Return on Equity (TTM) 13.27% |
Valuation
Trailing PE 19.36 | Forward PE 10.79 | Enterprise Value 22531162112 | Price to Sales(TTM) 0.74 |
Enterprise Value 22531162112 | Price to Sales(TTM) 0.74 | ||
Enterprise Value to Revenue 3.9 | Enterprise Value to EBITDA - | Shares Outstanding 323003813 | Shares Floating 177772130 |
Shares Outstanding 323003813 | Shares Floating 177772130 | ||
Percent Insiders 20.04 | Percent Institutions 23.47 |
Upturn AI SWOT
Inter & Co. Inc. Class A Common Shares
Company Overview
History and Background
Inter & Co. Inc. (ticker symbol: INTR) is a Brazilian financial services company that began as a real estate credit company (MRV) in 1994. It evolved into Banco Inter, a fully-fledged digital bank, in 2014. They listed Class A common shares on NASDAQ in 2022. The company focuses on providing digital banking and financial services to individuals and businesses in Brazil.
Core Business Areas
- Banking Services: Offers a range of banking services, including checking and savings accounts, credit cards, personal loans, and investment products.
- Insurance: Provides insurance products, including life, auto, and home insurance, through its digital platform.
- Investment Platform: Offers a platform for investing in stocks, bonds, and other financial instruments.
- Marketplace: Provides access to a marketplace with a variety of products and services, connecting consumers with retailers and service providers.
Leadership and Structure
Jou00e3o Vitor Menin is the CEO. The organizational structure includes departments for banking, insurance, investments, and marketplace operations.
Top Products and Market Share
Key Offerings
- Digital Banking Accounts: Digital banking accounts with no monthly fees, offering various functionalities like bill payment, transfers, and investments. They have over 27 million clients as of Q1 2024. Competitors include Nubank, PicPay, and other Brazilian digital banks.
- Credit Cards: Offers credit cards with cashback rewards and various benefits, tailored to different customer segments. Competitors include other Brazilian banks and fintech companies like Nubank and Credicard.
- Investment Platform: Provides a platform for investing in stocks, fixed income, and other financial products, accessible through their app. Competitors are XP Inc., BTG Pactual, and other Brazilian investment platforms.
- Insurance Products: Offers different insurance products like auto and life. They compete with Porto Seguro and other insurance providers in Brazil.
Market Dynamics
Industry Overview
The Brazilian financial services industry is undergoing significant digital transformation, with increasing competition from fintech companies and traditional banks alike. Mobile banking and digital payments are rapidly growing.
Positioning
Inter & Co. Inc. positions itself as a comprehensive digital platform offering a wide range of financial and non-financial services to Brazilian consumers. Its competitive advantage lies in its integrated ecosystem and user-friendly mobile app.
Total Addressable Market (TAM)
The TAM for financial services in Brazil is estimated to be in the hundreds of billions of dollars. Inter & Co. is positioning itself to capture a significant portion of this market by expanding its user base and offering diverse services.
Upturn SWOT Analysis
Strengths
- Digital-first approach
- Integrated ecosystem of services
- Strong brand recognition in Brazil
- Large and growing user base
- Diversified revenue streams
Weaknesses
- High competition in the Brazilian market
- Dependence on the Brazilian economy
- Relatively new company compared to traditional banks
- Profitability still developing
Opportunities
- Expansion into new product categories
- Partnerships with other companies
- Increasing adoption of digital banking in Brazil
- Acquisition of smaller fintech companies
- Offer cross-border financial services
Threats
- Increased regulatory scrutiny
- Cybersecurity risks
- Economic downturn in Brazil
- Competition from global fintech giants
- Changes in consumer behavior
Competitors and Market Share
Key Competitors
- Nubank (NU)
- XP Inc. (XP)
- PagSeguro Digital Ltd. (PAGS)
Competitive Landscape
Inter & Co. faces intense competition from both established banks and fintech companies. Its competitive advantage lies in its comprehensive digital platform and user-friendly experience, but it must continue to innovate to stay ahead.
Major Acquisitions
USEND
- Year: 2020
- Acquisition Price (USD millions): 10
- Strategic Rationale: Acquisition of USEND enables Inter to offer its Brazilian customer based cross-border financial services
Growth Trajectory and Initiatives
Historical Growth: Inter & Co. has experienced rapid growth in recent years, driven by its expanding user base and diversified service offerings.
Future Projections: Analysts project continued growth in revenue and profitability, driven by increasing adoption of digital banking in Brazil and the company's expansion into new markets and products.
Recent Initiatives: Recent initiatives include expanding its credit card offerings, launching new investment products, and forging partnerships with other companies to expand its marketplace.
Summary
Inter & Co. shows promise as a rapidly growing digital bank in Brazil, evidenced by its increase in revenue and customer base. The shift to positive net income in 2023 is a positive sign, but it needs to navigate a competitive landscape and maintain focus on profitability. Future success hinges on continued innovation, expanding product offerings, and effective risk management in a dynamic financial market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Inter & Co. Inc. Class A Common Shares
Exchange NASDAQ | Headquaters Belo Horizonte, MG, Brazil | ||
IPO Launch date 2022-06-23 | CEO of Inter Invest Mr. Felipe Bottino | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://inter.co |
Full time employees - | Website https://inter.co | ||
Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States. The company offers banking products and services, including checking accounts; cards; deposits; loans and advances; and other services, as well as debt collection; foreign exchange and financial services; and global account digital solution. It also provides acquisition, sale, and custody of securities; structures and distributes securities; and operates management of fund portfolios and other assets. In addition, the company offers insurance products including warranties, life, property, and automobile insurance; pension products; and consortium products. Further, it engages in the sale of goods and/or services through digital platform. Inter & Co, Inc. was founded in 1994 and is headquartered in Belo Horizonte, Brazil.
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